Since 1920, Equitable Life has been located in Waterloo Ontario with regional service teams across Canada providing personalized service and support. I personally started dealing with their group department in 1998. In those days they were always the best fit for the Trucking Industry and I would always have them on my short list to gather pricing and solutions for my clients. These days they service many industries and can certainly compete against the best in the business from plan ...

There are some insurance products where the devil is in details. One such product is critical illness insurance. We are focusing on this today given its recent media publicity. The sad critical illness story of Bianca Williams (Story abridged from a Global News article) Bianca Williams needs chemotherapy, radiation and a bone marrow transplant, but TD Bank insurance has denied her critical insurance claim. “We thought at least with this coverage, we’d be able to provide for our family,” ...

How does cancer insurance work? In the same way that life insurance pays a lump sum should the insured pass away, cancer insurance pays out a lump sum should the insured be diagnosed with a life-threatening form of cancer. Unlike Life coverage however, cancer coverage will also pay out a partial amount should the insured be diagnosed with certain early intervention cancers as well. Also, the client can choose to add coverage that will pay in the event of heart attack, stroke, coronary ...

These are individual health plans put forth when you leave an Employer Group Benefits plan. There are a few solid options for those who: • are in the process of retiring • have been laid off • are over-age dependents (persons over the age of 21 who are not currently enrolled in school) that are no longer eligible under parents plan • have terminated employment and existing medical issues • move from full-time to part-time and therefore may not be eligible for ...

Canada has always been a country full of diversity and culture. In recent years, we have seen an influx of immigrants looking for new opportunitieswithin Canada. When migrating to Canada, there is a plethora of forms and documentation required and recommendations given to aid those in securing a safe and comfortable life here. A life insurance policy is one of those important thresholds that helps both those existing Canadian citizens and those new to Canada. Albeit, the process for ...

Jason Julian Bio I have been in the Financial Services industry for 27 years. I started in the banking sector in 1991 for Canada Trust in Hamilton later to begin an Insurance career as an agent with Prudential of America in 1995. The majority of my selling career was spent in Hamilton Ontario at one of Canada’s leading brokerages, Dan Lawrie Insurance Brokers Ltd. where I spent 11 years building my practice. I grew a client base to over 2500 as well as partnered to service 150 employer ...

LSM's Senior Life Insurance Broker Jack Bendahan was quoted in Investment Executive on How to Avoid Declines. Summary From medical conditions to particular lifestyles — there are plenty of reasons why an insurer will decline a client's insurance application. Helping hard-to-insure clients get their policies requires additional work, but as Jack Bendahan, expert in this niche market, points out: It’s rewarding to help people… When you go through all that work and you get them what they ...

It is not alwayseasy to get an apples-to-apples comparison across No Medical Life Insurance Plans. Today we would like to compare Empire Life’s Guaranteed Issue Plan with several other No Medical Life Insurance Plans such as products offered by Edge Benefits and Canada Protection Plan. Our No Medical Life Insurance specialist Richard Parkinson analyses several products available on the market. Breaking Down Empire Life’s Guaranteed Issue Plan Plan name: Guaranteed Life ...

I deal with a plethora of policies in the field, however, I am most often reminded about the power and importance of disability insurance. The most frequent reminder of this message comes from a good friend of mine and one of the best chiropractors I know, Dr. Borys Chambul. Dr. Chambul is a former Olympic athlete, champion disc thrower, and a Canadian record holder. From his experience as an athlete to his career in the medical field, he has extensive knowledge on pain and the potential ...

What type of disability insurance do you own? I own a Professional Series contract that has a 90 day wait period, benefit period to age 65 and as much Future Insurability as I am eligible for. I also make sure to utilize my future insurability options every year I am financially eligible to do so. What ...